Specialized insurance solutions for retailers
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In today’s world, risks from electronic transactions and potentially costly recalls in addition to crime and property damage could affect any retailer. Our specialized Hanover Retail Advantage solution offers top-rated coverage for retailers at very competitive rates. Hanover Retail Advantage is designed to meet the insurance needs of retailers of merchandise generally used for personal or household consumption. Examples include:


    Art supply stores

    Book and magazine stores

    Clothing stores (men’s and women’s)

    Drug stores

    Electronic stores


    Footwear stores

    Garden centers (selected)

    General merchandise

    Gourmet food stores

    Hardware and home centers

    Jewelry stores

    Sporting goods stores (selected)

    End-to-end coverage for retailers

    We offer retailers many products to protect their property, autos, employees and patrons, with broad solutions that are cost-effective and convenient. Beyond the core policy of our Retail Advantage program, we offer expanded options including equipment breakdown coverage, enhanced building definition, private company management liability and more. We can help tailor your policy to help meet your needs, and even offer convenient, automated premium payments to fit your budget.

    Industry-specific coverages

    Industry-specific coverages

    • Commercial package policy
    • Commercial property
    • Commercial general liability
    • Commercial auto
    • Workers’ compensation
    • Commercial follow form excess and umbrella

    Specialized coverages and endorsements

    Specialized coverages and endorsements

    • Seasonal increase business personal property coverage
    • Brands and labels
    • E-commerce
    • Data breach
    • Property in-transit
    • Sewer backup
    • Outdoor property coverage (including signs)
    • Product recall coverage
    • Global general liability endorsement
    • Business income and extra expense from dependent properties



    Specialized products for enhanced protection

    Specialized products for enhanced protection

    • Inland marine, including coverage for jewelry, furs, and musical instruments
    • Private company management liability
    • Fidelity and crime
    • Commercial surety (sales tax bonds)

    More value for retailers

    Our underwriting, claims, and risk management professionals have many years of experience in providing service to retailers.

    Risk Solutions

    Risk Solutions

    Risks for retailers are wide-ranging. Hanover Risk Solutions professionals meet the challenges of Hanover policyholders with a comprehensive array of tools to help reduce a business’s risks wherever they arise.

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    Our industry-leading claim services and 24/7 reporting help you get back to business quickly. If you ever need to make a claim, you'll be glad you have The Hanover.

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    Featured resources

    Get safety and insurance articles, videos, infographics and more to help keep your business and property safe, and guide you through the insurance-buying process.